Tom Kieldsen

Tom is a financial adviser at Nutmeg. He joined in April 2018, following more than 11 years with a leading private bank. Outside of work, he enjoys exploring his local countryside and cooking - preferably BBQ.

Financial planning in your fifties: your guide to pensions and more

2 December 2019|5 min

For many people, the fifties are the decade when thoughts turn to retirement. Whether or not you want to retire early, it’s important to know how much you have and what you can do to give yourself as comfortable a lifestyle as possible. I’ve advised dozens of clients in their fifties. Here’s what I’ve found.

How can I reduce my inheritance tax bill?

13 November 2019|5 min

Inheritance tax is charged at 40% and applies to nearly all types of property, possessions, savings and investments on the owner’s death. By making the most of your tax-free allowances, and with other measures such as giving gifts, you can lower your bill.

Think financial advice is too expensive? Think again

3 May 2019|3 min

Here’s a question for you: if your car broke down, would you let your uncle have a go at fixing it or would you take it to a garage?

What is pound cost averaging?

5 December 2018|4 min

Pound cost averaging sounds complicated, but the unwieldy term describes a very simple process.

What to do when you get an inheritance

4 October 2018|5 min

It can be difficult to know what’s best to do with an inheritance, whether big or small. In the UK, there’s a huge amount of choice when it comes to saving and investing a lump sum, so we’ve come up with some guidelines that could help you feel more comfortable approaching the task. However, there is no replacement for personal financial advice, and this blog shouldn’t be considered as such.